Cullen/Frost Bankers, Inc. (CFR) vs Citizens Financial Services, Inc. (CZFS)
The same free fields, in the same order, for both companies, so a figure on one line can be read straight across.
This page states measurements and nothing else. It does not rank the two companies, name one of them, or draw a conclusion from the figures.
Data as of Oct 27, 2026, for both companies.
The figures, field by field
A dash means the snapshot carries no figure for that company on that line. A line is dropped only when neither company has it, so a dash beside a figure is a fact about coverage, not about either company.
| CFR | CZFS | |
|---|---|---|
| Sector | Financial Services | Financial Services |
| Industry | Banks - Regional | Banks - Regional |
| Size band | MID | SMALL |
| Listing | NYSE | Nasdaq CM |
| Country | United States | United States |
| Theme | regional-banks | regional-banks |
| Price and returns | ||
| Last close | $158.58 | $84.59 |
| Return · 1 week | +3.50% | +6.94% |
| Return · 1 month | +1.38% | +5.16% |
| Return · 3 months | −5.08% | +10.03% |
| Return · year to date | +24.59% | +53.29% |
| Return · 1 year | +28.51% | +55.36% |
| Distance from the 52-week highThe last close measured against the highest close of the past 52 weeks. | −7.15% | −2.51% |
| 52-week high | $170.80 | $86.77 |
| 52-week low | $119.15 | $52.35 |
| Size and turnover | ||
| Market value · USDConverted to US dollars, so two companies listed in different currencies sit under one heading. | $9.86B | $406.87M |
| Turnover · median day, USDThe median value traded in a session over the past 50 sessions. | $72.24M | $2.36M |
| Employees | 6,008 | 388 |
| Valuation | ||
| Price to earnings · trailing | 14.66× | 9.89× |
| Price to earnings · forward | 12.89× | 9.60× |
| Price to sales | 4.26× | 3.54× |
| Price to book | 2.15× | 1.15× |
| Enterprise value to revenue | 3.84× | 6.58× |
| PEG ratio | 2.86 | — |
| Earnings per share · trailing | 10.58 | 8.55 |
| Profitability | ||
| Operating margin | 37.24% | 44.54% |
| Profit margin | 29.56% | 35.77% |
| Return on equity | 15.50% | 12.32% |
| Return on assets | 1.30% | 1.33% |
| Growth | ||
| Revenue growth | +6.10% | +10.00% |
| Earnings growth | +12.80% | +20.50% |
| Balance sheet and payout | ||
| Dividend yield | 2.66% | 2.43% |
| Payout ratio | 38.09% | 23.51% |
| Trend and volatility | ||
| RSI · 14 | 57.59 | 66.31 |
| ADX · 14 | 28.86 | 17.56 |
| 50-day average | $158.43 | $80.88 |
| 200-day average | $148.40 | $70.24 |
| Average true range · share of priceAverage true range over 14 sessions, stated as a share of the last close, so it can be read across two share prices. | 1.98% | 2.25% |
The full CFR analysis
Everything this table leaves out for Cullen/Frost Bankers, Inc.: the plain-language summary and key points, the accumulation read, signal history, full fundamentals, market context, and the case each side of the CFR argument makes.
$9.90 per stock, one time, 30 days of access.
Open the full CFR analysisThe full CZFS analysis
Everything this table leaves out for Citizens Financial Services, Inc.: the plain-language summary and key points, the accumulation read, signal history, full fundamentals, market context, and the case each side of the CZFS argument makes.
$9.90 per stock, one time, 30 days of access.
Open the full CZFS analysis